Miami-Dade County, Florida: hazard risk
FEMA rates Miami-Dade County's overall risk Very High (score 99.6 of 100, higher than 99% of rated U.S. counties); 8 of its 14 hazards are rated Relatively High or Very High, led by hurricane, lightning, riverine flooding. Its storm record holds 1,634 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Very High | 100.0 | $331M |
| Lightning | Very High | 99.9 | $8.3M |
| Riverine Flooding | Very High | 99.7 | $356M |
| Coastal Flooding | Very High | 99.6 | $23M |
| Cold Wave | Very High | 99.5 | $41M |
| Heat Wave | Relatively High | 99.3 | $31M |
| Tornado | Relatively High | 98.7 | $25M |
| Hail | Relatively High | 96.6 | $2.9M |
| Wildfire | Relatively Moderate | 96.9 | $5.2M |
| Strong Wind | Relatively Moderate | 82.4 | $1.1M |
| Drought | Relatively Moderate | 79.1 | $663K |
| Earthquake | Relatively Low | 62.1 | $385K |
| Landslide | Very Low | 46.4 | $820 |
| Winter Weather | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 378 | 2 | $14M | 46th of 67 | 2000th of 3,080 |
| Floods | 256 | 0 | $2.2B | 5th of 67 | 761st of 3,080 |
| Hail | 244 | 0 | $4K | 32nd of 67 | 2179th of 3,080 |
| Tornadoes | 150 | 1 | $428M | 23rd of 67 | 184th of 3,080 |
| Drought | 113 | 0 | – | 26th of 67 | 1694th of 3,063 |
| Hurricanes and tropical storms | 88 | 15 | $1.8B | 50th of 67 | 317th of 1,849 |
| Lightning | 73 | 8 | $835K | 20th of 67 | 179th of 3,080 |
| Rip currents and high surf | 49 | 36 | $738K | 15th of 67 | 69th of 2,080 |
| Extreme cold | 29 | 1 | $432M | 21st of 67 | 1683rd of 3,076 |
| Heavy rain | 28 | 0 | $816K | 26th of 67 | 652nd of 3,080 |
| Wildfires | 24 | 0 | $558K | 20th of 67 | 229th of 2,972 |
| High wind and dust storms | 17 | 1 | $61K | 17th of 67 | 2509th of 3,080 |
| Heat | 12 | 3 | – | 18th of 67 | 1855th of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Miami-Dade County record: every hazard by year and month, the deadliest events and FEMA's declarations.